I'm on my parents insurance as a full-time student but I dropped my classes?

Question

I'm 19 and technically I can't get on their insurance unless I'm a full-time student, which is 12 units. Thing is 2-3 weeks before the semester ended I dropped 2 classes to avoid the F and well... it's summer now. I was wondering when is this all gonna catch up to me.

Also I'm not taking summer classes right now, does that mean I'm definitely not a full-time student?

Answer 1

It will "catch" up to you when it is your parent's time during their open enrollment for medical insurance with their employer. Your parents will have to show proof that you are a full time student.  Open enrollment for most companies are during the fall (Sept through November).

Answer 2

yes.  the ins co can deny claims if you do not have proof of enrollment

Answer 3

I do not think that you have to take a full load of classes in the summer to be counted as a full time student for insurance purposes.  Usually, insurance companies require a proof of enrollment once a year, so if you sent it in at the beginning of the semester when you were enrolled first time, then it shouldn't be a problem.  If you plan on taking a full load in the fall and you send in another enrollment verification, then the insurance company will probably not find out that you dropped the classes the semester before.

Answer 4

It depends on what state you are in.  In NJ full time student doesn't have to be 12 credits.  It could be 10 credits.  A letter from the Bursar's office stating that you are full time will determine your status.  NJ carriers also cover a FT student until the fall semester or until the end of the year.  If the student does not  send proof of FT student status they are terminated for 1/1 of the following year.

Answer 5

Not taking summer classes does not matter.  I appreciate your honesty in wanting to do the right thing.  I woudn't worry about having dropped the classes, the insurance company is not going to require you show proof that you completed the classes or anything along those lines.  The only way this will catch up to you is that they may ask for proof that you are re-enrolling full-time next semester (fall).

Bottom line, you're fine so don't worry about it.  It's not like you're trying to work the system.

Answer 6

Naw, you will be fine as long as you take classes next semester. I quit school and was on the insurance for an extra year! They wont take you off unless they check into it.

Answer 7

probably not for a few months.

Are you going to take classes in the fall?

sign up asap if you are.

Answer 8

It is. When you stopped going to school full time you lost the right to the insurance. Enjoy the insurance while you have it because your parents will be paying whatever was reimbersed for you during that time. That could be costly so I would suggest you take the free time and get a job.